Applications/Supplemental

• Houses Of Worship
• Storefront/Community Church (BOP)
• Pastoral Counseling
• FAITHGUARD

What is International Insurance?

Coverage designed to protect your organization and employees / volunteers while traveling or working outside of the country.

General Liability 

Provides coverage for third party bodily injury or property damage resulting from your operations. Pays for things like defense cost, expenses, and damages you are legally obligated to pay.

Product Liability

Provides coverage for third party bodily injury or property damage caused by your products. Responds to suits brought anywhere in the world for losses that occur outside the U.S.

Commercial Automobile Liability

Contingent coverage for owned, non-owned, leased, or hired automobile accidents while using, hiring or maintaining vehicles abroad. Pays for things like third party claims, damage to a rented vehicle, or medical bills for injured passengers.

Employers Responsibility with Foreign Voluntary Compensation

Offers 24/7 protection for work-related injuries for U.S. employees traveling on business outside of the United States, subject to the applicability of any state workers compensation statutory requirements. Pays for items such as medical bills and lost wages necessary to make your employee whole.

Executive Assistance Services with Repatriation

Worldwide network of emergency response professionals available to respond 24 hours, 7 days a week, 365 days a year to any urgent medical or travel needs. Services document replacement.

Accident & Health

Medical benefits for injury or illness  sustained outside of the scope of work. Pays for things like emergency room visits, doctor’s appointments, and x-rays.

Kidnap & Extortion

Provides and pays the cost of emergency response services for a kidnap or extortion event. Reimburses for the payment of ransom or other expenses.

Political & Natural Disaster Evacuation

Get out of harm’s way before it arrives. Pays for the relocation and repatriation of employees in the event of a political or natural disaster.

Property

Broad, all-risk protection for physical operations outside the United States.

Business Income

Covers multiple sources of revenue, including royalties and rental income, and extra expense

Privacy Liability (including Employee Privacy)  

The Privacy Liability insuring agreement in our policy goes beyond providing liability protection for the Insured against the unauthorized release of Personally Identifiable Information (PII), Protected Health Information (PHI), and corporate confidential information like most popular “Data Breach” policies. Rather, our policy provides true “Privacy” protection in that the definition of Privacy Breach includes violations of any rights to privacy (e.g., person’s right of publicity or disclosure of private information). Because information lost in every data breach may not fit State or Federal-specific definitions of PII or PHI, our policy helps to fill these potentially costly gaps.

Security Breach Response Coverage  

This 1st Party coverage reimburses an Insured for costs incurred in the event of a security breach of personal, non-public information of their customers or employees.

Security Liability

The Security Liability insuring agreement provides coverage for the Insured for allegations of a “Security Wrongful Act”, 

Multimedia Liability  

Defamation, libel, slander, emotional distress, invasion of the right to privacy, copyright and other forms of intellectual property infringement (patent excluded) in the course of the Insured’s communication of Media content in electronic (website, social media, etc.) or non-electronic forms

Cyber Extortion

Expense and payments to a harmful third party to avert potential damage threatened against the Insured such as the introduction of malicious code, system interruption, data corruption or destruction or dissemination of personal or confidential corporate information.

Business Income and Digital Asset Restoration

The Business Income and Digital Asset Restoration insuring agreement provides for lost earnings and expenses incurred because of a security compromise that leads to the failure or disruption of a computer system, or, an authorized third-party’s inability to access a computer system. Restoration costs to restore or recreate digital (not hardware) assets to their pre-loss state are provided for as well.

The Payment Card Industry Data Security Standard (PCI-DSS)

Merchants and service providers must adhere to certain goals and requirements in order to be “PCI Compliant,” and under specific agreements, may subject an Insured to an “assessment” for breach of such terms.

• Car Dealership
• Charities / Not for profit
• Construction
• Domestic Services
• Education (colleges/universities)
• Education (schools)
• E-commerce
• Financial Institutions
• Gas Station
• Golf Clubs
• Government
• Healthcare/Medical
• Hotels / Hospitality
• Insurance Broker/Company
• Investment Advisor / CPA / Mortgage Broker

• Legal Services - commercial consumer
• Manufacturing
• Pharmacy
• Professional Services
• Realtor
• Restaurant
• Retail
• Sports clubs/gyms
• Telecoms
• Trade Associations / Unions
• Utility
• Veterinarian
• Wholesale Distributor